PCT

Argentina's interoperable QR transfer standard. Used for pay-in in Argentina.

PCT (Pago con Transferencia) is Argentina's BCRA-regulated QR-based instant transfer standard. When used as an origin, it generates a QR code that the user scans with any participating banking or fintech app.

Country: Argentina | Currency: ARS | Direction: Pay-in

Required fields

Field	Type	Description
type	string	Must be "PCT"
currency	string	Must be "ARS"
pct.customer.phoneNumber	string	Payer's phone number (digits only)
pct.customer.phoneNumberPrefix	string	Country code (e.g., "54" for Argentina)
pct.customer.email	string	Payer's email
pct.successUrl	string	Redirect URL on success
pct.failedUrl	string	Redirect URL on failure

Example

{
  "type": "PCT",
  "currency": "ARS",
  "pct": {
    "successUrl": "https://yourapp.com/success",
    "failedUrl": "https://yourapp.com/failed",
    "customer": {
      "phoneNumber": "1155551234",
      "phoneNumberPrefix": "54",
      "email": "[email protected]"
    }
  }
}

Response fields

Field	Description
pct.qrCode	QR code string for scanning

Display the qrCode to your user. They can scan it with Mercado Pago, BBVA, Galicia, Naranja X, or any other PCT-compatible app.

Valid destinations

When PCT is used as origin, the valid destinations are:

Node	Description
ACCOUNT	Internal platform account

Schema

The pct object

Attributes

PCT rail payload for Argentina QR pay-ins.

qrCodestringOptional

The QR code string that can be rendered or scanned for interoperable transfer payments in Argentina under the BCRA's PCT (Transfer QR) standard.

successUrlstringOptional

Redirect url in case of success

failedUrlstringOptional

Redirect url in case of failure

The pct object

{
  "qrCode": "text",
  "customer": {
    "id": "text",
    "firstName": "text",
    "email": "text",
    "lastName": "text",
    "phoneNumber": "text",
    "phoneNumberPrefix": "text",
    "documentType": "text",
    "documentNumber": "text",
    "address": {
      "administrativeAreaLevel1": "text",
      "administrativeAreaLevel2": "text",
      "administrativeAreaLevel3": "text",
      "street": "text",
      "streetNumber": "text",
      "optionalAddress": "text",
      "country": "text",
      "zipcode": "text"
    }
  },
  "successUrl": "text",
  "failedUrl": "text"
}